Deposit Account Contract
- Deposit Rate and Fee Disclosures
- Consent to Electronic Document Delivery
- EFT Disclosure
- Funds Availability Disclosure
- Credit Card Disclosures
- Privacy Notice
- How Your Shares Are Insured
- Protecting Yourself From Overdraft Fees
- What you need to know about ODP and how to Opt-In
- Overdraft Privilege
- Online Access Security
- Mobile Deposit Service Disclosure
Important Information Regarding New Accounts:
USA Patriot Act
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open a new account we may ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Thank you for your understanding as we follow procedures to both meet the government requirements and protect your identity. If you have any questions, please contact our Member Contact Center at (989) 892-6088 and press 5.
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FINANCIALEDGE CREDIT UNION WEBSITE SECURITY AND PRIVACY STATEMENT
FinancialEdge Credit Union has made Internet Security a top priority. We are committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
INTERNET SECURE SESSIONS MEASURES
All account information and transactions performed during an ElectronicEdge, BillPay or FinancialEdge Mobile Banking session, as well as all information submitted via our online forms, is encrypted. All precautions are taken to safeguard transmissions utilizing the most current technology available, however no representation can be made as to the security of these transmissions against the fraudulent or wrongful use of this technology.
PROTECT YOURSELF FROM FRAUDULENT WEBSITES
Personal information shared over the Internet can be used to commit fraud. One common method is for thieves to create a web site using a name that is similar to that of a reputable business, for example, by using a common misspelling of the company's name. The intent is to lure you into entering the copycat web site and giving personal information, including your account number and password. We caution you to verify with whom you are dealing over the Internet and to understand what will be done with your personal information. Always check that you have typed the correct web site address and have entered the site you intended to do business with, prior to submitting personal data. For details on steps you may take to protect yourself, we suggest that you review guidelines provided in Safe Internet Banking published by the FDIC.
LINKING TO OTHER SITES
To provide you with easy access to information, FinancialEdge Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and FinancialEdge Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by FinancialEdge Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
BROWSER SUPPORT FOR SSL
FinancialEdge Credit Union requires that your browser support SSL in order to access ElelctronicEdge, BillPay or FinancialEdge Mobile Banking and our secure on-line forms and applications. Secure session information and transactions will never be stored on your hard drive unless you specifically download and save them on your computer.
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through unsecured email. We ask that you do not send personal or account Information through regular email. FinancialEdge Credit Union provides a method of sending a secure email to the credit union by contacting a Member Service Representative.
KEEP YOUR COMPUTER SYSTEM PROTECTED
It is strongly recommended you have a firewall, anti-virus and anti-spyware on your computer. It is important to keep all your computer software updated. This also applies to software and firmware upgrades for your cell phone if you use mobile banking. Many items have an impact on secure communications. For example, your operating system, web browser, anti-virus/spyware, Adobe Reader, Adobe Flash and Java are frequently updated with the latest security patches.
FinancialEdge Credit Union uses firewall technology to allow entry only to those with proper authorization. A firewall is a security system that regulates and acts as a shield for data transmitted into or out of a network. It checks to make sure that communications only occur between approved individuals and that the communication is in the proper protocol.